Simple Financial Planning & Helpful Guides
Pocketsense offers simple personal finance calculators and practical guides to help you explore numbers around loans, savings, and taxes. Our privacy-first tools run entirely inside your browser—allowing you to estimate loan EMIs, simulate SIP compounding, compare tax regimes, and calculate capital gains without storing or sharing your personal data.
Featured Articles & Guides
Plain-language personal finance notes. General information only, not advice.
Estate Planning for Millennials: Why You Need a Will Even If You Aren’t Rich
Think estate planning is only for retired billionaires? Discover why every millennial needs a will, power of attorney, digital asset plan, and designated beneficiaries today.
Retirement Beyond the 401(k): Exploring IRAs and Roth Options
Relying solely on your employers retirement plan isnt enough. Discover how IRAs, Roth accounts, and tax-advantaged retirement vehicles unlock true financial independence.
Renting vs. Buying: A 2026 Perspective on the Housing Market
Is renting really throwing money away? Re-evaluate homeownership in 2026 with the 5% Rule, unrecoverable housing costs, and the real math of real estate vs. equity investing.
Term vs. Whole Life Insurance: The Honest Truth About Which You Need
Stop getting ripped off by insurance agents. Discover why Whole Life and Endowment policies drain your wealth, and why Buy Term and Invest the Difference wins every time.
Emergency Funds: Why 3 Months Isnt Enough Anymore
Traditional financial wisdom says a 3-month emergency fund is plenty. Discover why modern tech layoffs, inflation, and extended hiring cycles demand a robust 6-to-9 month tiered cash cushion.
How to Negotiate Your Bills: A Script for Lowering Your Internet and Phone Costs
Stop overpaying for recurring broadband, mobile plans, and subscriptions. Use these battle-tested, word-for-word negotiation scripts to save thousands with a single phone call.
Investment & Savings Calculators
SIP & Goal Planner
Calculate nominal and inflation-adjusted mutual fund compounding with real-purchasing power projections.
Open SIP Calculator →XIRR Calculator
Annualized returns solver using Newton-Raphson method for irregular mutual fund SIP cash flows.
Open XIRR Calculator →SIP vs Lumpsum Comparison
Compare time-weighted compounding differences between monthly deposits and one-time capital placement.
Compare Strategies →EPF Calculator
Project your provident fund at retirement with salary hikes and the EPS split.
Project EPF →Salary Hike Reality Check
See what your raise is worth after income tax and inflation.
Check My Hike →Prepay Loan or Invest?
Compare interest saved by prepaying with post-tax investment growth.
Compare Options →Tax & Income Calculators
New vs Old Tax Regime
FY 2025-26 & 2026-27 slabs, ₹12L rebate & breakeven deduction solver.
Compare Regimes →Capital Gains Tax
12.5% LTCG, 20% STCG, ₹1.25L exemption & property indexation options.
Calculate Tax →HRA Exemption
Rule 2A 3-condition minimum formula for Metro vs Non-Metro salary claims.
Calculate HRA →Advance Tax & TDS
Quarterly due dates, Section 208 rules & 44ADA 50% presumptive options.
Calculate Installments →Gratuity Calculator
15/26 formula, labour code 50% wage rule & ₹20L tax-free limit.
Calculate Gratuity →Leave Encashment
Tax-free part on retirement or resignation, with the ₹25L limit.
Calculate Exemption →Loan & Debt Calculators
EMI & Prepayment Simulator
Amortization schedules and prepayment impact analysis (Reduce EMI vs Reduce Tenure).
Simulate Loan EMI →Remaining Loan Tenure
Calculate exact remaining months following interest rate hikes or lump prepayments.
Calculate Remaining Tenure →Compare Two Loans
Side-by-side comparison of two loan offers to find the cheapest net lifetime outflow.
Compare Offers →No-Cost EMI True Cost
GST on interest, fees and lost discounts, plus the real interest rate.
Find the Real Cost →Credit Card Minimum Due Trap
How long paying only the minimum takes, and what it costs.
See the Cost →Everyday Money Tools
Rent Receipt Generator
Printable monthly rent receipts for your HRA claim.
Create Receipts →UPI QR Generator
QR code for your UPI ID with an optional amount.
Make a QR →Bill Splitter
Split trip or flat expenses and settle with the fewest payments.
Split Bills →Number to Words
Rupee amounts in words for cheques, in lakh and crore.
Convert →Privacy-First by Design
Pocketsense calculators are designed to run inside your web browser. The numbers you type into a calculator are not sent to or stored on our server. Analytics and ads are described in our Privacy Policy.